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Existing borrowers

Fixed rate deals for existing borrowers

If you already have a mortgage with us and are coming to the end of your deal these fixed rate deals, designed specially or you, could be just what you're looking for. Please remember, to secure your chosen mortgage you must pay the relevant booking fee.

For more details or to find out how to switch, contact us.

Product features
  • No higher lending charge.
  • Pay up to 10% in overpayments per year with no early repayment charges.
  • Daily interest calculation for capital payments; you get the benefit of capital payments straightaway, through a reduction in the interest charged.
  • Maximum loan size is £500,000. Loans greater than this can be considered.
  • No early repayment charges after the initial period.

Transferring your mortgage

For existing customers our fixed rate transfer deals offer you the security of knowing how much your mortgage will cost every month.

2 year fixed
Initial
Rate		 For the remainder
of the term		 The overall cost
for comparison is		 Application
fee
6.74% 7.09%
Standard
Variable Rate		 7.30% APR £199
There are early repayment charges that apply until 30.09.2010

5 year fixed
Initial
Rate		 For the remainder
of the term		 The overall cost
for comparison is		 Application
fee
6.74% 7.09%
Standard
Variable Rate		 7.20% APR £199
There are early repayment charges that apply until 30.09.2013

10 year fixed
Initial
Rate		 For the remainder
of the term		 The overall cost
for comparison is		 Application
fee
6.74% 7.09%
Standard
Variable Rate		 7.10% APR £199
There are early repayment charges that apply until 30.09.2018

Rates correct as at 13 June 2008.

How it works

The interest you are charged on our fixed rate deals stays the same for the fixed rate term. At the end of this period, your mortgage will revert to our Standard Variable Rate.

Advantages of our fixed rates:

  • You pay the same amount each month during the fixed rate term.
  • Protect your mortgage payments from interest rate rises during the fixed rate term.
  • Interest is calculated daily, which will lead to interest savings over the term of the mortgage.

Consider one of our other mortgages if:

Please Note

1. Our mortgage products can be withdrawn at anytime.  To be certain of obtaining your desired product you will need to follow the procedure and pay the associated booking fee.  Be aware that you will not secure any particular product until the relevant booking fee has been paid.

2. Terms and conditions apply.

3. We may offer different products and/or similar but differently priced products through our various channels (branches, Derbyshire Direct, Intermediaries and the web). For full details of all available products, please contact us.